Amini is the savings and payments app built for Nigeria. Set a plan and let it run, keep an Adashi circle honest, send money in seconds, and pay your bills — in Hausa or English.
The mobile app is available on
Sannu, Amina
Wallet balance
Available
₦186,500
Sallah savings
68%
₦68,000 of ₦100,000 · auto-debit every Friday
Savings plan
Weekly · today
Adashi — Kasuwa
Turn 4 of 8
MTN airtime
0803 •••• 41
Electricity
AEDC prepaid
Airtime, data, TV and electricity — the bills you already pay, in one place.
- MTN
- Airtel
- Glo
- 9mobile
- DStv
- GOtv
- StarTimes
- AEDC
- IKEDC
- EKEDC
- KEDCO
- IBEDC
- PHED
The discipline of Adashi, with the safety of a wallet
Adashi works because everyone shows up. Amini keeps the part that works — the circle, the turns, the pressure to contribute — and removes the part that doesn't: cash under a mattress, a notebook only one person holds, and a payout you have to chase.
- One shared ledger. Every member sees who has paid and whose turn is next.
- Contributions on schedule. Auto-debit from your wallet, so nobody has to be reminded.
- Payouts land in your wallet. Spend it, save it, or send it on — the same minute it arrives.
Adashi
Kasuwa circle
₦96,000
payout · your turn in 3 weeks
This week's contributions
Everyone sees the same ledger.
Everything you need in one app
Saving, sending and paying usually live in three different places. Amini puts them on one balance, with one PIN.
Savings plans that run themselves
Pick an amount and a rhythm — daily, weekly, monthly. Amini debits your wallet and keeps the streak.
Adashi, kept honest
Run a rotating circle with people you trust. Shared ledger, scheduled turns, payouts into your wallet.
Instant transfers
Send to an Amini tag or any Nigerian bank account. Money moves in seconds, not working days.
Airtime, data and bills
Top up MTN, Airtel, Glo and 9mobile, and settle TV and electricity without leaving the app.
Locked behind your fingerprint
Biometric sign-in and a transaction PIN. Nothing leaves your wallet without you present.
Hausa and English
The whole app, not just the welcome screen. Switch language any time in settings.
Why choose Amini?
Because saving in Nigeria is rarely about willpower — it's about friction. Amini removes the trips, the reminders and the guesswork, then shows you exactly what the habit is worth.
Saved this year
₦742,000
12 weeks without a missed debit
Savings plans
3 active
Adashi circles
2
Bills paid
48
Fees on transfers
₦0
Designed for everyone
The same wallet, whether money arrives daily in a market or once a month by transfer.
Traders who close the day with cash in hand
Salary earners who want the plan to run itself
Families saving together for Sallah, school and rent
How it works
- 1
Download the app
Free on iOS and Android. Nothing to pay to open an account.
- 2
Create your account
Your phone number, a PIN, and a quick identity check. Under five minutes.
- 3
Fund it and start saving
Transfer to your dedicated account number, then set a plan, join a circle, or send money.
Send money
To
@hauwa
Amini tag · verified
Amount
₦25,000
Fee ₦0 · arrives instantly
Recent
Your money, fully protected
Amini holds real money, so it is built like it. Funds move through licensed payment partners, every transaction is signed off by you, and nothing in your wallet moves without your fingerprint or PIN.
- Encrypted end to end
- Your data is encrypted in transit and at rest.
- Biometric + PIN
- Every transaction needs your fingerprint or your PIN.
- Watched around the clock
- Unusual activity is flagged and alerted in real time.
What our users say
From market stalls in Kano to salaried desks in Lagos.
Setting a weekly plan and forgetting about it is the whole point. I have not missed a week.
Amina B.
Our Adashi used to live in a notebook. Now everybody can see who has paid.
Musa D.
Sending to an Amini tag is faster than typing an account number.
Hauwa I.
Setting a weekly plan and forgetting about it is the whole point. I have not missed a week.
Amina B.
Our Adashi used to live in a notebook. Now everybody can see who has paid.
Musa D.
Sending to an Amini tag is faster than typing an account number.
Hauwa I.
Setting a weekly plan and forgetting about it is the whole point. I have not missed a week.
Amina B.
Our Adashi used to live in a notebook. Now everybody can see who has paid.
Musa D.
Sending to an Amini tag is faster than typing an account number.
Hauwa I.
Buying data and paying the light bill in the same place saved me two apps.
Sadiq A.
Having it in Hausa meant my mother could actually use it herself.
Zainab K.
The payout hit my wallet the morning it was my turn. No chasing anyone.
Yusuf O.
Buying data and paying the light bill in the same place saved me two apps.
Sadiq A.
Having it in Hausa meant my mother could actually use it herself.
Zainab K.
The payout hit my wallet the morning it was my turn. No chasing anyone.
Yusuf O.
Buying data and paying the light bill in the same place saved me two apps.
Sadiq A.
Having it in Hausa meant my mother could actually use it herself.
Zainab K.
The payout hit my wallet the morning it was my turn. No chasing anyone.
Yusuf O.
Here are the answers to your questions
Still stuck after this? Write to hello@amini.ng and a person will answer.
Money guides for modern Nigerians
Practical writing on saving, Adashi, transfers, and the small everyday things that quietly drain a wallet.
The 48-Hour Payday Plan: What to Do With Your Salary Before It Disappears
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Is This Fintech App Safe? A 10-Minute Check Before You Put Money In
Nigeria has hundreds of money apps and a long history of platforms that vanished. Here is the ten-minute check that separates a licensed operator from a well-designed risk.
Daily Savings for Market Traders: How ₦500 a Day Becomes ₦182,500 a Year
The daily collector has been the market's savings account for generations — and takes a cut for it. Here's what daily saving actually returns, and how to keep the discipline without the commission.
Get Amini on your phone today, for free
Available for iOS and Android. Open an account in under five minutes and start your first plan the same day.
No account fees. No minimum balance.